Credco, Inc

What Credco, Inc does

Credco, Inc. (operating as CoreLogic Credco) is a credit reporting division of CoreLogic, Inc. (NYSE: CLGX), a publicly traded data and analytics conglomerate. Founded in 1961 and headquartered in Poway, California, with a mailing/contact address in San Diego, Credco provides merged and specialized consumer credit reports to lenders and financial institutions for use in mortgage and lending decisions. The company's core product is the eCredco online portal, which provides individually credentialed authenticated access for authorized lender users to run credit inquiries and manage reporting workflows. A complementary Consumer Assistance service supports individuals who have been referred to Credco by lenders or who see Credco inquiries on their credit reports.

Credco's business model is B2B credit reporting, distributed directly to lenders and financial institutions via a secure login portal with per-user credentials. The company does not publish pricing or sell directly to consumers; consumer interactions occur only when a lender refers an applicant to Credco for credit inquiry purposes. Operating geographies are concentrated in North America, and Credco benefits from its parent's scale and data infrastructure as a CoreLogic subsidiary brand (alongside the "Credco" and "CoreLogic Credco" DBAs). No API, SDK, mobile app, or public marketing channels are documented; marketing is effectively indirect through the CoreLogic parent organization.

The technical architecture is a web-based credentialed access system (eCredco) with session-timeout security controls, copyright and trademark protections under CoreLogic master marks, and a U.S.-only operational footprint. Pricing, revenue figures, management team, partnerships, patents, awards, and certifications are not publicly disclosed in the available source data, which limits deeper diligence. The "Cotality" URL referenced in the consumer assistance page suggests a possible broader CoreLogic brand transition that, if confirmed, would represent a notable strategic and identity change for the Credco division.

Name

Credco, Inc

Legal name

CoreLogic, Inc.

Website

https://credco.com

Company type

Public

Founded year

1961

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

CoreLogic Credco is a division of CoreLogic, Inc. that provides merged and specialized consumer credit reports to lenders and financial institutions via its credentialed eCredco online portal for mortgage and lending decisions.

Ownership category

akta.pro rank

Product category

Credit Reporting Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

Keywords

• Credit reporting services
• Merged credit reports
• Credit inquiry platform
• Lender credit data
• Consumer credit reports

Headquarters

HQ city

Poway

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Distribution channels1 record

Core offering

Credco provides merged and specialized consumer credit reports to lenders and financial institutions who need to run credit inquiries for mortgage and lending decisions. Through its eCredco online portal, authenticated users can access credit reporting data and inquiry services, while a consumer assistance service supports individuals who have been referred by lenders.

Product overview

CoreLogic Credco offers a credit inquiry and reporting platform primarily through its eCredco online portal, which provides authenticated access for lenders and authorized users to conduct credit inquiries and manage reporting. The company also maintains a consumer assistance service to help individuals understand why Credco appears on their credit reports when referred by lenders. The product portfolio consists of the eCredco platform and the Consumer Assistance service, forming a B2B-to-consumer credit inquiry service within the CoreLogic ecosystem.

Differentiator

Problem solved

Functional benefit

Products and services

• eCredco

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Recent moves1 record

Expansion highlights3 records

Direct peers

• Experian: One of the three nationwide U.S. consumer credit bureaus and a global information services company. Experian is a direct peer as it provides the underlying merged credit data and consumer credit reports that Credco resells and aggregates for lenders.
• Equifax: One of the three nationwide consumer credit bureaus, providing credit reports, scores, and analytics to lenders, employers, and government. A direct peer given that Equifax is one of the primary credit file sources Credco pulls from to assemble its merged reports.
• TransUnion: One of the three nationwide consumer credit bureaus, offering credit reports, scores, and risk analytics to lenders. A direct peer to Credco as a third primary source for merged credit reporting to the lending industry.
• LexisNexis Risk Solutions: Provides consumer credit reporting, fraud detection, and identity verification services to lenders and insurers. A direct peer to Credco in distributing consumer credit and alternative-data reports to financial institutions.
• Innovis: The fourth nationwide consumer credit bureau, providing consumer credit reports to lenders for underwriting and account review. A direct peer to Credco as an alternative bureau source in the credit reporting value chain.

Broad incumbents

• FICO: The dominant provider of consumer credit scores used in U.S. lending decisions, operating broadly across consumer credit analytics. A broad incumbent peer given its deep entrenchment in the credit reporting-to-lender workflow Credco participates in.
• Acxiom (IPA): A large data infrastructure and audience identity provider serving financial services, insurance, and marketing use cases. A broad incumbent comparable through its role as a B2B data backbone similar in spirit to Credco's credit data infrastructure for lenders.

Emerging players

• Plaid: Provides financial data connectivity, including bank account verification and consumer-permissioned data flows used in underwriting. An emerging player that intersects with traditional credit reporting by supplying alternative financial data to lenders.
• Argyle: Provides employment and income data verification used by lenders and consumer finance firms for underwriting. An emerging player in the alternative-data layer of consumer credit decisioning that complements traditional credit reports.

Others

• CoreLogic (parent): The publicly traded parent company of Credco, providing property information and analytics to financial institutions and government agencies. Listed as a related-party peer given it is the strategic owner driving Credco's capital and product roadmap.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/corelogic-credco

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credco, Inc